Review from Mr A (226 views)
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|Review of: Debt Lifeboat|
|Review date: 22 April 2012|
|Insolvency Practitioner who handled case: Not Known|
|I proceeded as far along as: Accepted IVA|
|The solution I opted for in the end: IVA|
|Speed of response|
|No of days to make a decision after I spoke to IVA company: 1 days|
|Weeks to IVA proposal after decision made: 2 weeks|
|Weeks to IVA accepted/rejected after decision made: 6 weeks|
|IVA Company Ratings|
|Their debt solutions expertise:||10 out of 10|
|Their customer service:||10 out of 10|
|Their speed of response:||10 out of 10|
|Overall Company Rating:||10 out of 10|
|Insolvency Practitioner Ratings|
|The quality of IVA proposal:||10 out of 10|
|Overall Insolvency Practitioner Rating:||10 out of 10|
|I was basically spending more than what I earnt for a considerable amount of time. Credit cards would hit there limit and would be automatically increased by the lenders until I could spend no more, therefore loans would be arranged to clear debts but credit cards would not be cut up but used again. So ended up paying credit card debts and loans.|
|My interaction with the company:|
|After contacting the Consumer Credit Counselling Service I was put in touch with Debt Lifeboat and a meeting was arranged with my IP to discuss the way forward. The forms were filled in and I was accepted for and IVA.|
|Why I gave the ratings I did:|
|Very professional and to the point, you are told what is expected of you during an IVA. Great communication and always there to give advice.|
|One thing they did - which really impressed me:|
|After the IVA was completed they were still there to help and offer advice on what happens next, still had time for you.|
|One thing they did - which I felt could be improved:|
|Nothing. There really is light at the end of the tunnel!|
|IVA now complete, dividends of 41.77 pence in the pound were paid, I had over Ã‚Â£28,600 worth of debt written off.<br> I have through this process been taught the value of money, to be patient and be happy with what you have got. Cash is King, I spend my own money now, not somebody elses.|
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